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616 Old Edmondson Ave
Catonsville, MD 21228
O: 443-650-5220
F: 443-650-5221
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Good Credit is a resource worth protecting.
That's the mission behind what we do.
Can't find what you need on our site. No problem, remember we are here to make buying, living in, and selling a home enjoyable. Just send us a message and we'll get you the resources you need
That's the mission behind what we do.
Can't find what you need on our site. No problem, remember we are here to make buying, living in, and selling a home enjoyable. Just send us a message and we'll get you the resources you need.
That's the mission behind what we do.
Can't find what you need on our site. No problem, remember we are here to make buying, living in, and selling a home enjoyable. Just send us a message and we'll get you the resources you need.
That's the mission behind what we do.
Can't find what you need on our site. No problem, remember we are here to make buying, living in, and selling a home enjoyable. Just send us a message and we'll get you the resources you need.
That's the mission behind what we do.
Can't find what you need on our site. No problem, remember we are here to make buying, living in, and selling a home enjoyable. Just send us a message and we'll get you the resources you need.
What is a Credit report?
A credit report is a file containing information identifying you as the borrower. The report also contains information showing your financial obligations and how well or how poorly you are in repaying you financial obligations. The report may also contain information regarding state liens, federal liens, and criminal record if any.
Who can access your report?
Creditors , employers, you, and other persons or entities allowed under the law.
What should I look for in my Credit report?
While reviewing your credit report, answer the following questions:
- Is the information in my report correct? (Name, Address, Social Security Number, open accounts, closed accounts, collection, etc)
- Do the listed accounts belong to me?
- Is the status of each account correct? Is it closed, open or delinquent?
What should I do if the information is not correct?
If you believe there is inaccurate information in your credit report, you should contact the reporting agency and file a dispute. Once placed on notice that you are disputing an item, the reporting credit bureau must verify the facts within a reasonable period of time
Here are the web addresses for all three reporting agencies. To file your dispute go to the dispute link located on their website.
- Transunion - www.transunion.com
- Equifax - www.equifax.com
- Experian - www.experian.com
What determines my credit score?
Your credit score is made up of five key components:
Payment History: Having a long history of not missing and making timely payments is the idle scenario. Paying all your bills on time is the
Amount You Owe: This is the amount you owe in relationship to the total amount of credit you have available. Having your credit accounts close to maxing out their limit is considered to be a higher risk of default.
Length of Credit History: In determining your FICO score, the oldest open accounts along with the average age of all account will be considered. A credit report with a long list of open accounts, in good standing, is an added bonus to the borrower.
New Credit: Opening multiple accounts in a short time frame can damage a credit score. Multiple credit inquires can also damage you score and indicates a greater risk of default.
Types of Credit: Your range of open accounts, retail, credit card, mortgage, car loan, and others will impact your score. Lenders like to see and array of healthy open accounts.
Trade Secret:
If you make an inquiry on your own credit report it will not count against your score. Too many inquiries by new creditors in a short period of time can damage your score.
If you live in Colorado, Maryland, Maine, Massachusetts, New Jersey, Vermont or Georgia, you are entitled to a free credit annually.